According to the four-star customer evaluation model and internal rating results, ICBC studied and formulated the credit standard for star customers. Differentiate credit to star customers with ICBC credit cards or loans (with internal rating scores), and issue credit card products of different grades to different star customers.

That is, for four-star customers, the comprehensive credit line can be approved as RMB 50,000;

Allocate gold cards for five-star customers, and the comprehensive credit line can be approved to be 654.38+10,000 yuan;

Allocate platinum cards for six-star customers, and the comprehensive credit line can be approved as 500,000 yuan;

Allocate platinum cards for seven-star customers, and the comprehensive credit line can be approved as 6,543,800 yuan; For high-risk customers with an internal rating score of 5, credit card configuration and active adjustment are not recommended.

For star-rated customers without cards and loans (no internal rating score for the time being), they should be slightly reduced on the basis of the above credit standards. That is, for four-star customers, the initial comprehensive credit line can be approved as 65,438 yuan+0,000 yuan;

Allocate gold cards for five-star customers, and the initial comprehensive credit line can be approved as RMB 50,000;

For six-star customers, the initial comprehensive credit line can be approved as 654.38+10,000 yuan;

For seven-star customers, the initial comprehensive credit line can be approved as 300,000 yuan.

For customers who have used their credit cards for more than 90 days, have no bad credit history and are active in using them, the credit line of their credit cards can be appropriately increased.